Rate changes & analysis
News
What's changed across the banks we track, and what it means for your choice.
6 reports, newest first
Four of Our Card Pages Told You We Could Not Verify Data We Already Had
On 21 August we wrote the editorial analysis for all 41 cards we track. On 22 and 23 August we verified the per-category earning rates for those same 41 cards. Nobody went back to the prose. For two weeks, four pages told readers to go and look somewhere else for a figure that was already further down the page.
Read the guideWe Tried to Rank CD Rates. The Numbers Do Not Exist Nationally
Wells Fargo stamps a ZIP code on its own CD table. Chase will not show you one without your ZIP first. We went looking for a national CD rate at the ten banks we track and found that, for eight of them, there is no such thing.
Read the guideWe Read the Rewards Terms on All 41 Cards We Track. The Caps Are the Story
Bank of America advertises 6% cash back. The permanent rate is 3%, and it stops after $2,500 a quarter. We went through every card in our lineup, rate by rate and cap by cap, and built a calculator that applies them.
Read the guideWhich of the 10 Banks We Track Pays the Most on Savings Right Now
Capital One's 360 Performance Savings leads our lineup at 4.10% APY, more than double the next-highest rate. Three of the ten banks we track pay 0.02% or less.
Read the guideChecking Account Fees at the Banks We Track, Compared
Monthly checking fees in our lineup range from $0 to $12 — but the fee itself is rarely the full story. Every account we found charges more once you look at what triggers the waiver.
Read the guideStudent Banking in 2026: What These Banks Actually Offer
Five of the ten banks we track have a dedicated student or young-adult checking account. Age windows range from as young as 13 to as old as 25, and only one waives its fee indefinitely.
Read the guideWhat goes in this section, and what doesn't
By Victor Gil Vazquez · Reviewed 2026-08-22
This is where changes across the catalog get written up: when rates move, when fee structures change, when an offer appears or disappears across several institutions at once. Each piece works from the same verified figures as the product pages, so a rate quoted in an article is the same rate on the account's own page, with the same source and the same date attached.
What you won't find here is rate forecasting. Predicting where deposit rates or mortgage rates go next requires predicting Federal Reserve policy, and nobody who publishes those predictions for a living gets them reliably right — putting one on a page that also carries carefully sourced figures would borrow credibility from the sourced part to prop up the invented part. Where an article explains the mechanism by which Fed decisions reach a consumer rate, it explains the mechanism and stops there.
New pieces are published when there's something verified to report rather than on a schedule. A section that posts weekly regardless of whether anything happened ends up padding, and padding is exactly what makes the rest of the catalog harder to trust.
How the figures on this page are sourced, dated and corrected is set out in the editorial policy, and how the site is funded in the advertiser disclosure.
Run the numbers
When a rate moves, the question is what it moves for you. These answer it.
- Compound Interest CalculatorSee how your money grows with compound interest — add contributions and compare to the S&P 500's real historical returns.
- Mortgage Calculator (PITI + PMI)Estimate your monthly mortgage payment — principal, interest, property tax, insurance, and PMI.
- Federal Income Tax & Refund EstimatorEstimate your 2026 federal income tax using the current brackets, standard deduction, and Child Tax Credit.
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